Rancho Santa Fe Covenant, La Jolla and Carmel Valley real estate and homes for sale in California - Michael Moradi & Associates, REALTORS® Michael Moradi & Associates REALTORS(r) for Rancho Santa Fe Covenant, La Jolla and Carmel Valley, California real estate - NUMBER1EXPERTS™ Michael Moradi & Associates NUMBER1EXPERTS(tm) for Rancho Santa Fe Covenant, La Jolla and Carmel Valley, California real estate
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Michael Moradi & Associates, REALTOR®, real estate agents and broker for Rancho Santa Fe Covenant, La Jolla and Carmel Valley California home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why we are top real estate experts. Call us: 858-518-3000.


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Michael Moradi & Associates are some of The Top Selling Real Estate Experts™
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Our Special Offers: Rancho Santa Fe Covenant, La Jolla and Carmel Valley California home buying, real estate listings, and homes for sale in San Diego County, CA
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Special Offers From Us To You! 

Just for you, we've assembled some Special Offers. Choose one or all! 

Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate!
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Real Estate Tips
Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

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Real Estate Trivia
Q 
Which city in the U.S. has the longest formal name, but the shortest abbreviated name?

A 
El Pueblo de Nuestra Senora la Reina de los Angeles de la Porciuncula is the full name for Los Angeles, known as "LA".
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Michael Moradi & Associates, REALTOR®, real estate agents and broker for Rancho Santa Fe Covenant, La Jolla and Carmel Valley California home listings, property and land for sale - NUMBER1EXPERT(tm)

Michael Moradi & Associates
Prudential California Realty

16915 Avenida de Acacias
P.O. Box 2047
Rancho Santa Fe, CA 92067
Cell Phone: 858-518-3000
Fax: 858-793-4449
eMail: Homes@MoradiRealty.com

Michael Moradi, providing exceptional real estate services for over twenty-seven years. Michael has been a successful real estate broker and a consistent top producer for Prudential California Realty due to his professionalism and excellent client services. His knowledge and experience is essentials to your real estate needs.

Equal HousingMLSREALTOR


Prudential California Realty

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